There are a lot of people smarter than me on here, so looking for some advice. I have a spouse and two small kids. I've always done a traditional PPO healthcare plan because the cost was 100% covered by work and I was too lazy to switch. Because my wife had her own HDHP plan, we had HSA access. She's not working right now (but will be going back eventually). I'm considering doing HDHP but wondering if anyone with small kids has regretted that? (cont. in comments)

What are all the perks and benefits available for band 8 in IBM ISL?

Very broad question here- but can you tell me what you do and if you like it? I’m a first year associate and I don’t like the practice areas I’m in right now. (PI plaintiffs- mostly med mal). I honestly am just not interested in going through medical records/deposing doctors for the rest of my career. I know I want to stay on the litigation side but that’s about it. I worked for an insurance defense firm in school and didn’t love that either. TIA!

Hi, does anyone know anything about the company Zelis? I was contacted today about setting up an interview for a Claims Settlement Specialst-2. Can anyone tell me about this company? The culture? Advancement opportunities? Pay? Benefits?

Going through a total loss settlement negotiation for my car with insurance. In parallel they’re asking to sign power of attorney for title transfer. Does this make sense to do when I’m still negotiating the settlement amount ? Trying to think what other leverage i would have if I sign over the vehicle (which itself isn’t much to begin with)
TIA!

Anyone have insight into working at Flatiron Health vs COTA Healthcare.

Recommendations for firms to look into in South FL? I'm in Ft. Lauderdale but am open to Boca or Miami. I'm a first year associate in ID (coverage issues) but really would prefer transactional work. More importantly though, I'm looking for companies who pay relatively well (doesn't necessarily have to be market), are open to remote/hybrid work, aren't sweatshops. I'd settle for insurance work if theres good WLB & $$$ lol

After clerking for four years in state court, I am starting my first associate job in a mid-sized firm’s commercial lit group. I believe the work will be pretty varied with a range of contract, class action, employment, and insurance disputes. I am anxious to do well. Any practice guides or other resources you’d recommend to a new associate who’s no longer a new lawyer?

Hello peeps, how's the work culture,benefits and growth opportunities in Tesla Data Analytics side. Asking for a friend?

I am hiring a few roles at CVS 5+ years experience. DM me if you want to jump into healthcare and I’ll share more details

Anyone here a Community Engagement Specialist, and is it the same thing as a Community Healthcare Worker? If so, what is the usual pay range in Houston, Tx?

Hi everyone, do any of your companies have 100% remote opportunities? I’m looking & motivated, see below for a little about the roles & fields I’ve worked in if this helps for context:

Roles:
-Account Manager
-Project Manager
-Creative Producer/Project Manager
-Supervisor
-Director

Fields:
-Creative (digital, print, paid, video, social, everything)
-Brand
-DEI
-Advertising
-Marketing
-Retail
-eCommerce
-Healthcare
-Pharmaceutical
-Manufacturing
-Non-profit

How's the Cloud roles in ME? Currently an SA (soon to be M) at PwC USA.

Thinking of moving to ME but haven't been able to find too many roles that are cloud based for larger firms, most are small ones or start ups

6+ YOE, 1.5 in consulting and 4.5 in insurance. All cloud infra based

Should I max out my 401K? Or just put in the company match, and use the rest in personal stock investments? I think I can make more with stock than a 401K will

Covid Vaccine ethics: you are in charge of a country that has a huge marginalized community (proven to be disproportionately impacted by Covid). If you were in charge of coming up with a vaccination distribution prioritization schedule, what groups would would you prioritize first and why?

What’s your take on the MDDs Group Long Term Care Insurance Plan? Worth it?

I have offers from Mastercard and EXL Service (EXL Health/SCIO Health acquired by EXL) @ 10 YOE. With Mastercard, I am getting Level 6, Lead Software Engineer at 41.5 LPA(including variable), but I have to relocate from Noida to Gurgaon. With EXL Service ( EXL Health), I am getting D1, Assistant Vive President at 43 LPA, but the location is Noida.
Tech Stack - Big Data
Please help me to decide which offer is better
Also, which organization offers better WLB and better growth.

I have an offer for atos and magma hdi general insurance. I'm working in the Business Continuity Management domain. I'm confused about which one to join. Anyone can help here pls

Hi guys 👋🏻👋🏻
I am filling the onboarding form for my next company IBM where they have asked 2 questions:
1)Were you earlier a member of Employee's provident fund scheme, 1952?
2) Were you earlier a member of Employee's pension scheme, 1995?

All I know is PF and EPS amounts were deducted from my salary in my previous company but how to know if I am a member of these two mentioned schemes?

Thanks in advance for your inputs guys 🙌🏻

In addition to Herman Cain, the founder of Turning Point USA died of coronavirus this week. Every life lost matters, but hopefully theirs can matter more by helping people that still see this as a political issue realize it isn't.

Any idea as to how much a Senior Consultant at Genpact Enterprise Risk Consulting make?

I’ve always avoided annuities but think this one from NY Life is interesting. It’s called a Variable Investment Fund and you can add an Investment Preservation Rider for a fee. The IPR guarantees your investment return will at least be the cash you put in.

Typical portfolio returns about 7.5% after all fees. The commission fee is 2%.

So you are attenuating some upside and paying a pretty hefty fee, but you are insuring agains the downside.

Thoughts?

** for SAP functional consultants **

In addition to SAP functional skill, what other skill set can be added to your profile so that it can help to sustain in the fast changing market ?
Any good skills are there in SAP like where it doesn't require to learn coding ? Please help

Is there any problem if we receive the laptop from the company coz they have sent and you are not willing to join it. I am Planning to join some other company.
Can there be any problem?

All of them

Hello Fishes,
I was currently working on cts having 1.9 years experience in production support. I have given interveiw's and shortlisted for 2 companies. Vodafone india shared services and hexaware.
Vois pay 7 ctc and hexaware providing 9 ctc. I have lot of confusion to choose best. Hexaware is mnc or not? Jobsecurity in hexaware? Any hexaware people available dm me🙏. Please provide your valuable comments below. Vois vs hexaware which one is better? Any response will be greatly appriciated.

Does anyone have any advice or insight into studying for the Sustainability Excellence Associate (SEA) certification exam? I can’t really find too much information on the test.

Helloooooo PwC BS

Hi Everyone
Looking for company change.
Current role - Test Analyst (Infosys ltd)
Experience- 6.5 yrs (1.5 yrs onshore - Australia)
Looking fir help for reference and help to get recruited.

Thanks

Ok here we go again… :(

Hi folks, I have joining on 14th April. Can anyone please tell me what are general onboarding processes are? Which docs should I keep ready with me for first day?

Operating agreement vs company agreement? Are they the same thing?
Sincerely, Lost 1st year

Has the dossier process started ? How to find out if my dossier is being created ?

Any recommendations on great Montessori schools in Plano/Frisco for 3yo. Looking at Aspiring Minds and Kidz Camp, open to others.

How does the relocation works in LTI, mine is Bangalore and want to ask my manager to relocate me to Hyderabad.
Will they approve asap..?
Or
How much time I need to wait to get relocate..?

Hi folks,
I have joined EY India about 3 months back and I want to move to EY GDS, is that possible?

Anyone used/using HMBradley before for HYSA? They have a 3% rate which seems unreal in this economy. Just want to make sure it’s legit. It’s seems HMBradley is the marketer for Hatch Bank (FDIC insured). Any other recommendations for HYSA?

How do you recession proof your investments? Ideas, suggestions.

Is this reasonable or am I missing something?

I started maxing my 401k from year 1 and I hope to have $5 million or more by the time I retire around 60. Wouldn’t it make sense to put all of my yearly $19,500 401k contribution to ROTH 401k instead of traditional 401k?

My reasoning is that I would pay 35% tax now and my remaining 65% would grow tax-free in ROTH 401k…. versus traditional 401k where I deposit 100% but every distribution will be taxed 35% assuming I make a lot in retirement.

I have 401(k)s from previous employer, which I left as 401(k) instead of converting to an IRA so that I could backdoor Roth without complications.

Should I consolidate my previous 401(k)s into the same administrator if I like their investment options, or is there a benefit to having separate accounts for flexibility if I never need to withdraw “substantially equal periodic payments”?

Does anyone here have a good recommendation for a divorce attorney in Orange County CA? It’s for my mom 🙏

Best investment vehicles for your kids? Is 529 still the way to go or are there other options? What are the gains/benefits for each?

Has financial security made you lazier? I’m nowhere near FIRE but I finally have a little F U money and have found that I’m no longer willing to work outside 9-5. I’m on a project now that’s a dumpster fire and I’m just like “meh roll me off” instead of trying to take ownership and get things back on track. Anyone relate?

I am buying term insurance from policygenius. For people who have done this. How do you choose the insurance company? AIG is giving me the lowest quote but I am reading online that they have 3x the complains compared to other insurers. TIA!

Anyone cashing out of investments in preparation for a recession, or should I stick to keeping as is and not try to time the market? Very long term horizon.

Best long term investment strategy against inflation to get to a large nest in for retirement?

Just switched jobs and base increased 30K (essentially gross 2K/month). Tempted to just automatically invest so I never see this (401 contribution is already maxed). Seems like the right move, but any other thoughts?

If you have Wealthfront and Personal Capital, why do you one over the other to track net worth? PC seems to have the same exact qualities that WF does but does much less than it. I’ve used Wealthfront since 2015 and love everything about it, except that it occasionally drops some of my accounts while tracking.

In this environment, would you rather put extra cash in I-Bonds or max out Roth IRA?

How do people balance living for today and being responsible enough to prepare for the future? I’m 40 and have been really concerned that I’m not living life enough. Just doing the things that make you happy whether it be experiences or material things. My biggest fear is retiring early or whenever and being too old to enjoy it or having less time to enjoy it. Just seems like so many people are getting sick or even worst dying much sooner than expected.

What do you think the total cost of a child is from 0-18 + college if they are interested. Just did the math in my head and am kinda shocked by the price tag. I want to give my child the best and more than what I had (private school and college paid for). Curious how others budget / plan for a child and what that total number might be

Help me pick. Got a $200k student loan coming in a year:
1. Invest in ETF this year, then stop, and focus on paying student loans next year
2. Save this year, and use that money to help pay student loans next year with a hope to shorten the payment time frame

How realistic is it for someone to hit FIRE with a career in the back office? Particularly if they chose this route to ensure they have downtime to spend on raising a family.